COMMERCIAL

BANKS
TOTAL BANKS
There are total 20 banks in this sector. 1 of them is in
defaulter segment.
1)ABL 9)HBL 17)SILK
2)AKBL 10)HMB 18)SNBL
3)BAFL 11)JSBL 19)UBL
4)BAHL 12)MCB 20)SMBL (Defaulter)
5)BIPL 13)MEBL
6)BOK 14)NBP
7)BOP 15)SBL
8)FABL 16)SCBPL
 ALLIED BANK LIMITED (ABL)
INCORPORATION 1974 LISTING 2005
INTRODUCTION PARENT COMPANY
It offers universal banking services, while placingIbrahim Holdings (Private) Limited
major emphasis on retail banking. The Bank has a large
network of over 1350 online branches & 1500+ ATMs SUBSIDIARY
in Pakistan and offers various technology-based
products and services to its diverse clients.
ABL Asset Management Company Limited

52 WEEKS LOW - HIGH 67.75 — 94.10 FACE VALUE 10

YEAR END December PAID UP CAPITAL 11.45 bn
NO. OF SHARES 1.14 bn FREE FLOAT 17.17 cr (15%)
2021 (1Q) 2020 2019 2018 2017
EPS/LPS
3.52 15.75 12.32 11.25 11.12
2021 (1Q) 2020 2019 2018 2017
PAYOUTS
20% 80% 80% 80% 70%
 ASKARI BANK LIMITED (AKBL)
INCORPORATION 1991 LISTING 1992
INTRODUCTION HOLDINGS
It is principally engaged in the business of banking. The Fauji consortium; comprising of fauji
Corporate Banking works on a long-term relationship foundation, FFC and FFBL collectively owned
based business model to provide a single point within
the Bank or meeting all business requirements of its
71.91% shares of AKBL.
corporate and institutional customers. SUBSIDIARY
Askari securities Limited
52 WEEKS LOW - HIGH 17.50 — 25.70 FACE VALUE 10
YEAR END December PAID UP CAPITAL 12.60 bn
NO. OF SHARES 1.26 bn FREE FLOAT 37.80 cr (30%)
2021 (HY) 2020 2019 2018 2017
EPS/LPS
3.26 8.57 5.57 3.52 4.18
2021 (HY) 2020 2019 2018 2017
PAYOUTS
- 30% 15% 10% 10%
 BANK ALFALAH LIMITED (BAFL)
INCORPORATION 1992 LISTING 2004
INTRODUCTION GROUP
The Bank provides financial solutions to consumers, Abu Dhabi Group
corporations, institutions and government through a
broad variety of products and services, including SUBSIDIARY
corporate and investment banking, consumer banking
Alfalah CLSA Securities (Private) Limited,
and credit, securities brokerage, commercial, SME,
agri-finance, Islamic and asset financing solutions. Pakistan
52 WEEKS LOW - HIGH 28.50 — 38.50 FACE VALUE 10
YEAR END December PAID UP CAPITAL 17.77 bn
NO. OF SHARES 1.77 bn FREE FLOAT 71.08 cr (40%)
2021 (1Q) 2020 2019 2018 2017
EPS/LPS
1.95 5.89 7.15 5.99 4.74

2021 (1Q) 2020 2019 2018 2017

PAYOUTS
- 40% 40% 25% - 10%(B) 15%
 BANK AL HABIB LIMITED (BAHL)
INCORPORATION 1991 LISTING 1992
INTRODUCTION GROUP
It is a scheduled bank principally engaged in Dawood Habib Group
the business of commercial banking. The SUBSIDIARIES
bank has 945 branches and sub branches in 5  AL Habib Capital Markets (Pvt.) Ltd.
countries.  AL Habib Asset Management Limited
52 WEEKS LOW - HIGH 61.00 — 82.00 FACE VALUE 10
YEAR END December PAID UP CAPITAL 11.11 bn
NO. OF SHARES 1.11 bn FREE FLOAT 72.24 cr (65%)
2021 (HY) 2020 2019 2018 2017
EPS/LPS
8.13 16.03 10.05 7.57 7.65
2021 (HY) 2020 2019 2018 2017
PAYOUTS
- 45% 35% 25% 30%
 BANKISLAMI PAKISTAN LIMITED (BIPL)
INCORPORATION 2004 LISTING 2006
INTRODUCTION SUBSIDIARY
The Bank is principally engaged in corporate, My Solutions Corporation Limited
commercial, consumer, retail banking and ASSOCIATED COMPANIES
investment activities.  KASB Capital Limited
 KASB Funds Limited
 New Horizon Exploration & Production Limited
52 WEEKS LOW - HIGH 7.76 — 15.07 FACE VALUE 10
YEAR END December PAID UP CAPITAL 11.08 bn
NO. OF SHARES 1.10 bn FREE FLOAT 33.26 cr (30%)
2021 (1Q) 2020 2019 2018 2017
EPS/LPS
0.35 1.54 1.06 0.21 1.55
2021 (1Q) 2020 2019 2018 2017
PAYOUTS
- - 10% (R) - -
 THE BANK OF KHYBER (BOK)
INCORPORATION 1991 LISTING 2006
INTRODUCTION ASSOCIATED COMPANIES
It is principally engaged in the business of  Government of Khyber Pakhtunkhwa
commercial banking and related services. It has  Ismail Industries Ltd
successfully been involved in extending funded
and non-funded facilities to its customers for
various business needs.
52 WEEKS LOW - HIGH 12.51 — 19.24 FACE VALUE 10
YEAR END December PAID UP CAPITAL 10.50 bn
NO. OF SHARES 1.05 bn FREE FLOAT 5.25 cr (5%)
2021 (1Q) 2020 2019 2018 2017
EPS/LPS
0.42 2.15 1.31 0.47 1.79
2021 (1Q) 2020 2019 2018 2017
PAYOUTS
- 15% - 5% (B) 5% - 15%
 THE BANK OF PUNJAB (BOP)
INCORPORATION 1989 LISTING 1991
INTRODUCTION SUBSIDIARY
It is principally engaged in commercial Punjab Modaraba Services (Pvt) Limited
banking and related services. The Bank has
639 branches including 18 sub branches and
105 Islamic banking in Pakistan.
52 WEEKS LOW - HIGH 7.61 — 10.51 FACE VALUE 10
YEAR END December PAID UP CAPITAL 26.43 bn
NO. OF SHARES 2.64 bn FREE FLOAT 1.11 bn (42.22%)
2021 (1Q) 2020 2019 2018 2017
EPS/LPS
0.69 2.63 3.12 2.86 (1.62)
2021 (1Q) 2020 2019 2018 2017
PAYOUTS
- 10% 7.5% 7.50% 70% (R)
 FAYSAL BANK LIMITED (FABL)
INCORPORATION 1994 LISTING 1995
INTRODUCTION PARENT COMPANY
The Bank is mainly engaged in Conventional Ithmaar Bank B.S.C
and Islamic Corporate, Commercial and ULTIMATE PARENT COMPANY
Consumer banking activities. Dar Al- Maal Al- Islami Trust

52 WEEKS LOW - HIGH 15.25 — 22.60 FACE VALUE 10

YEAR END December PAID UP CAPITAL 15.17 bn

NO. OF SHARES 1.51 bn FREE FLOAT 37.94 cr (25%)

2021 (1Q) 2020 2019 2018 2017
EPS/LPS
1.39 4.29 3.98 3.19 2.98
2021 (1Q) 2020 2019 2018 2017
PAYOUTS
- - - - 15% (B)
 HABIB BANK LIMITED (HBL)
INCORPORATION 1947 LISTING 2007
INTRODUCTION SUBSIDIARIES
HBL is engaged in commercial banking  Habib Allied Holding Limited (90.50%)
related services in Pakistan and  HBL Bank UK Limited (90.50%)
 Habib Currency Exchange (Pvt) Ltd (100%)
overseas. HBL is the largest private sector  HBL Asset Management Limited (100%)
bank in Pakistan with over 1,650+ branches  The First Microfinance Bank Ltd (50.51%)
and 2,100+ ATMs globally.  Habib Bank Financial Services Ltd (100%)
52 WEEKS LOW - HIGH 112.11 — 144.80 FACE VALUE 10
YEAR END December PAID UP CAPITAL 14.66 bn
NO. OF SHARES 1.46 bn FREE FLOAT 73.34 cr (50%)
2021 (HY) 2020 2019 2018 2017
EPS/LPS 11.92 21.49 10.27 8.04 5.27

2021 (HY) 2020 2019 2018 2017

PAYOUTS
35% 42.50% 50% 42.5% 80%
 HABIB METROPOLITAN BANK LIMITED (HMB)
INCORPORATION 1992 LISTING 1992
INTRODUCTION HOLDING COMPANY
HMB offers retail, commercial, consumer and Habib Bank AG Zurich - Switzerland
corporate banking solutions to its clientele, in addition SUBSIDIARIES
to its expertise of trade finance. The Bank also
provides highly innovative E-Banking and Shariah-
 First Habib Modaraba
compliant Islamic Banking solutions.  Habib Metropolitan Financial Services

52 WEEKS LOW - HIGH 32.50 — 44.00 FACE VALUE 10

YEAR END December PAID UP CAPITAL 10.47 bn
NO. OF SHARES 1.04 bn FREE FLOAT 47.15 cr (45%)
2021 (1Q) 2020 2019 2018 2017
EPS/LPS
3.08 11.46 6.28 5.88 5.26

2021 (1Q) 2020 2019 2018 2017

PAYOUTS
- 45% 25% 20% 30%
 JS BANK LIMITED (JSBL)
INCORPORATION 2006 LISTING 2007
INTRODUCTION PARENT COMPANY
The Bank is a scheduled bank, engaged in Jahangir Siddiqui & Co. Ltd. (JSCL)
commercial banking and related services and SUBSIDIARIES
is operating through 281 branches / sub-  JS Investments Limited
branches in Pakistan and one wholesale  JS Global Capital Limited
banking branch in Bahrain.  JS ABAMCO Commodities Limited
52 WEEKS LOW - HIGH 4.91 — 7.90 FACE VALUE 10
YEAR END December PAID UP CAPITAL 12.97 bn
NO. OF SHARES 1.29 bn FREE FLOAT 32.43 cr (25%)
2021 (1Q) 2020 2019 2018 2017
EPS/LPS
0.30 0.89 0.00 0.30 0.74
2021 (1Q) 2020 2019 2018 2017
PAYOUTS
- - - - -
 MCB BANK LIMITED (MCB)
INCORPORATION 1947 LISTING 1992
INTRODUCTION SUBSIDIARIES
The bank is engaged in commercial banking  MCB-Arif Habib Savings & Investments Ltd.
and related services. It has a vast branch  MCB Islamic Bank Limited
network of over 1,400+ branches in Pakistan  Financial Management Services (pvt) Ltd.
and abroad, in countries such as Sri Lanka,  MCB Non-Bank Credit Organization Closed
Bahrain and Dubai. Joint Stock Company
52 WEEKS LOW - HIGH 150.00 — 202.40 FACE VALUE 10
YEAR END December PAID UP CAPITAL 11.85 bn
NO. OF SHARES 1.18 bn FREE FLOAT 41.47 cr (35%)
2021 (HY) 2020 2019 2018 2017
EPS/LPS
12.44 24.50 20.23 18.02 19.56
2021 (HY) 2020 2019 2018 2017
PAYOUTS
95% 200% 170% 160% 160%
 MEEZAN BANK LIMITED (MEBL)
INCORPORATION 1997 LISTING 2000
INTRODUCTION SUBSIDIARY
It is the first and largest Islamic bank in Al Meezan Investment Management Limited
Pakistan. It is engaged in corporate,
commercial, consumer, investment and retail
banking activities.
52 WEEKS LOW - HIGH 76.25 — 143.99 FACE VALUE 10
YEAR END December PAID UP CAPITAL 14.14 bn
NO. OF SHARES 1.41 bn FREE FLOAT 35.36 cr (25%)
2021 (HY) 2020 2019 2018 2017
EPS/LPS
8.91 15.67 10.77 6.97 5.56

2021 (HY) 2020 2019 2018 2017

PAYOUTS
30% - 15% (B) 60% - 10% (B) 50% - 10% (B) 35% - 10% (B) 30%
 NATIONAL BANK OF PAKISTAN (NBP)
INCORPORATION 1949 LISTING 2002
INTRODUCTION SUBSIDIARIES
The Bank is engaged in providing commercial  CJSC subsidiary bank of NBP in Kazakhstan
 CJSC subsidiary bank of NBP in Tajikistan
banking and related services in Pakistan and  NBP Exchange company Limited
Overseas. The Bank also handles treasury  NBP Capital Limited
transactions for the Government of Pakistan  NBP Modaraba Management Company Limited
 Taurus Securities Limited
as an agent to the State Bank of Pakistan.  Cast – N- Link Products Ltd.
 NBP Fullerton Asset Management Limited
52 WEEKS LOW - HIGH 30.25 — 45.24 FACE VALUE 10
YEAR END December PAID UP CAPITAL 21.27 bn
NO. OF SHARES 2.12 bn FREE FLOAT 50.74 cr (23.85%)
2021 (1Q) 2020 2019 2018 2017
EPS/LPS
3.62 14.36 7.43 9.41 10.82
2021 (1Q) 2020 2019 2018 2017
PAYOUTS
- - - - -
 SAMBA BANK LIMITED (SBL)
INCORPORATION 1980 LISTING 2003
INTRODUCTION PARENT COMPANY
It is engaged in commercial banking and SAMBA Financial Group , Saudi Arabia
related services. The Bank operates 40 (84.51%)
branches inside Pakistan.

52 WEEKS LOW - HIGH 5.77 — 10.45 FACE VALUE 10

YEAR END December PAID UP CAPITAL 10.08 bn
NO. OF SHARES 1.008 bn FREE FLOAT 15.12 cr (15%)
2021 (1Q) 2020 2019 2018 2017
EPS/LPS
(0.33) 1.00 0.68 0.68 0.73
2021 (1Q) 2020 2019 2018 2017
PAYOUTS
- 7.5% - - -
 STANDARD CHARTERED BANK
PAKISTAN LIMITED (SCBPL)
INCORPORATION 2006 LISTING 2007
INTRODUCTION PARENT COMPANY
The Banks serves both Retail and Corporate and Standard Chartered Plc, England
Institutional Banking customers. It also offers a
complete suite of Islamic banking solutions under its
Standard Chartered Saadiq brand.
52 WEEKS LOW - HIGH 25.10 — 38.07 FACE VALUE 10
YEAR END December PAID UP CAPITAL 38.71 bn
NO. OF SHARES 3.87 bn FREE FLOAT 19.35 cr (5%)
2021 (1Q) 2020 2019 2018 2017
EPS/LPS 0.83 3.39 4.14 2.90 2.13
2021 (1Q) 2020 2019 2018 2017
PAYOUTS - 27.50% 30% 22.5% 17.50%
 SILK BANK LIMITED(SILK)
INCORPORATION 1994 LISTING 1995
INTRODUCTION ASSOCIATED COMPANY
It is formerly known as Saudi-Pak Commercial SPI INSURANCE COMPANY LIMITED
Bank. The bank is engaged in banking
services. It has a branch network of 123 in 39
cities.
52 WEEKS LOW - HIGH 0.80 — 2.25 FACE VALUE 10
YEAR END December PAID UP CAPITAL 90.81 bn
NO. OF SHARES 9.08 bn FREE FLOAT 3.17 bn (35%)
2020 (9 months) 2019 2018 2017
EPS/LPS
0.02 (0.44) 0.15 0.13

2020 (9 months) 2020 2019 2018

PAYOUTS
- - - -
 SONERI BANK LIMITED (SNBL)
INCORPORATION 1991 LISTING 1992
INTRODUCTION SUBSIDIARIES
The Bank is engaged in banking services. The  Soneri Bank Limited Employees Gratuity Fund
key areas of operation are Branch Banking,  Soneri Bank Limited Employees Provident Fund
Corporate & Investment Banking, Treasury,  Soneri Bank Limited Asset Management ARM
SME, Financial Institutions and Islamic
Banking.
52 WEEKS LOW - HIGH 8.40 — 11.00 FACE VALUE 10
YEAR END December PAID UP CAPITAL 11.02 bn
NO. OF SHARES 1.10 bn FREE FLOAT 27.56 cr (25%)
2021 (1Q) 2020 2019 2018 2017
EPS/LPS
0.71 2.18 1.73 1.62 1.51
2021 (1Q) 2020 2019 2018 2017
PAYOUTS
- 12.50% 10% 10% 7.50%
 UNITED BANK LIMITED (UBL)
INCORPORATION 1959 LISTING 2005
INTRODUCTION PARENT COMPANY
It is engaged in commercial banking and related Bestway (Holdings) Limited
services. It has more than 1,400 branches, above SUBSIDIARIES
37,000 Omni Agents and over 1,400 ATMs. UBL UBL Switzerland, UBL UK, UBL Tanzania,
has presence in four continents. United Executors and Trustees Company Ltd.
52 WEEKS LOW - HIGH 106.01 — 149.25 FACE VALUE 10
YEAR END December PAID UP CAPITAL 12.24 bn
NO. OF SHARES 1.22 bn FREE FLOAT 48.96 cr (40%)
2021 (HY) 2020 2019 2018 2017
EPS/LPS
12.25 17.07 15.63 12.44 20.57
2021 (HY) 2020 2019 2018 2017
PAYOUTS
80% 120% 120% 110% 130%
 SUMMIT BANK LIMITED (SMBL)
DEFAULTER
INCORPORATION 2007 LISTING 2008
INTRODUCTION
The Bank is principally engaged in the business of banking through its 193 branches including
14 Islamic branches.

52 WEEKS LOW - HIGH 1.10 — 3.42 FACE VALUE 10

YEAR END December PAID UP CAPITAL 26.38 bn

NO. OF SHARES 2.63 bn FREE FLOAT 92.33 cr (35%)